This institution is no longer active

Operations ceased on April 1, 2026. CRA examination history below reflects the period it was active.

MORRIS BANK

DUBLIN, GA · Supervised by FDIC

Est. 1954FDIC #17,910RSSD: FDIC-17910

Part ofMORRIS STATE BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.45%

Is this bank safe?

MORRIS BANK holds a Satisfactory CRA rating (2026), shows financial metrics that merit closer review (ROA -0.45%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

301 Bellevue Ave, DUBLIN, GA

County

Laurens County

Established

November 29, 1954

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.2B

Net Income

$-1,772K

ROA

-0.45%

Below avg for Community banks. Peer avg: 0.90%

ROE

-3.51%

Risk-Based Capital

16.01%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA-0.45%Peer avg: 0.90%▼ Below avg

Risk-Based Capital16.01%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate16.67%Peer avg: 10.20%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.3B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	240	64.17%	16.67%
2023	343	69.1%	16.33%
2022	504	69.64%	18.45%
2021	733	59.62%	19.10%
2020	552	67.21%	16.67%
2019	451	81.37%	9.98%
2018	467	82.23%	12.21%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2026	Satisfactory	Intermediate Small Bank
Nov 2022	Satisfactory	Intermediate Small Bank
Feb 2020	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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